Once you have sent your mortgage assessment request, we will need you to send us a number of documents to carry out the evaluation. The documentation required will vary depending on your employment situation. As this is a mortgage, you will also need to provide information about the condition of the property.
Employee:
- NIF/NIE
- Proof of income (last 3 payslips, rents, revenue, etc.) and employment contract
- Your last annual tax return
- Signed declaration of property or capital gains tax
Self-employed:
- Annual VAT summary (form 390) and returns for the current year
- Annual summary of personal income tax (IRPF) withholdings and returns for the current year
- Payment of business tax (IAE)
- Last three social security settlements and payment of the bill for self-employed workers
- Annual statement of activities with third parties (form 347)
- Certificate attesting you are up-to-date with social security payments
- Certificate attesting you are up-to-date with tax obligations
Property documents:
- Supporting document for the entry of the property in the Property Register
- Last property tax (IBI) bill for the property to be mortgaged
- If necessary, certificate demonstrating being up-to-date with owners' association fees
- Property sale agreement or earnest money contract
